Home Loan Officer

STCU; Spokane Valley (WA); Vor Ort; USD 20.000 - 28.000; Vollzeit

Benefits dieser Stelle

Paid time off + 11 holidays

Medical, dental, vision and life ins.

Zusammenfassung

STCU is seeking a Home Loan Officer to proficiently originate and close mortgage loans, including conventional, government, and construction loans. The role focuses on high-volume, accurate, timely residential mortgage origination.

You will guide qualified borrowers through the origination process, set expectations on timelines and closing dates, and coordinate with other departments to maximize STCU’s products and policies.

Qualifikationen

• High school diploma or equivalent required; some college preferred.
• Minimum of three years lending experience in financial services.
• NMLS registration must be completed on hire under SAFE Act.

Aufgaben

• Meet mortgage loan production standards with high accuracy and timeliness.
• Guide borrowers through the mortgage origination process and set expectations on timelines and closing dates.
• Evaluate loan materials and coordinate with STCU policies / secondary market guidelines.
• Identify opportunities with other departments to fulfill organizational objectives.

Kenntnisse

Bilingual Spanish

MS Office

Ausbildung

High school diploma or equivalent

Tools

MS Office (Outlook, Word, Excel, Teams)

Jobbeschreibung

STCU is consistently rated one of the top-performing credit unions in the nation, and has been named one of Fortune Magazine’s Great Places to Work. We look for employees who have a strong desire to serve others, are lifelong learners, are committed to working hard, have a fun-loving attitude, and who want to make a difference in our members’ lives. We love people who share our core values: Joyfulness, generosity, belonging, goodness, and striving. We believe in being a force for good in the community, while helping members achieve their financial goals and dreams.

• Paid time off plus 11 paid holidays!
• Medical, dental, vision and life insurance

Salary range:$17.31 per hour plus commission and incentives

Job Description

Position Overview:
The Home Loan Officer position involves the proficient execution of home lending tasks in alignment with STCU loan standards. The position focuses on originating and closing loans from external and internal sources, including conventional, government, and construction loans. The role emphasizes achieving high volume, accurate, and timely completion of residential mortgage origination functions.

Core Job / Requirements/Outcomes

• Meet mortgage loan production standards by performing high volume lending functions accurately, timely, and in alignment with STCU loan standards and procedures.
• Guide qualified borrowers through the mortgage loan origination process successfully by setting clear expectations with borrowers on timelines, loan conditions and closing dates, as well as evaluating loan application materials and making recommendations that align with STCU policies and/or secondary market guidelines.
• Identify and coordinate opportunities with other departments to maximize their expertise to fulfill corporate objectives and extend financial aid by being proficient in STCU’s products, systems, and procedures as well as developing strong relationships.

Other Essential Functions

• Maintain accurate and current knowledge of all residential loan programs, guidelines, and procedures; to include conventional, Government (FHA/VA), construction, and other STCU portfolio products.
• Evaluate loan applications, credit reports, title reports, appraisals, inspections and supporting documentation
• Take ownership of issues by acting as the member’s advocate.
• Follow through on all commitments.
• Maintain knowledge in and adhere to policies, procedures, and established processes in order to support compliance requirements for the department and the organization overall.
• Recommend policy / procedural changes and process improvements to assist in the achievement of the strategic goals of the organization.
• Contribute to and support a positive work environment to ensure an effective, high performing and cohesive team.

Qualifications

Qualifications

Education High school diploma or equivalent is required. Some college is preferred.

Certifications National Mortgage Licensing System and Registry (NMLS) registration under the terms of the SAFE Act of 2008 must be completed upon hire.

Job Experience Minimum of three years of lending experience in a financial services environment. Knowledge of mortgage terms, title insurance and required mortgage processing procedures required.

Software Skills Proficient knowledge of MS Office programs including Outlook, Word, Excel and Teams.

Other Skills Bilingual abilities, including the ability to read, write, and speak Spanish fluently, may be required depending on the needs of the individual role and will be noted in the specific job posting.

Physical Demands Must be able to regularly talk, hear and operate a computer, keyboard and mouse and occasionally lift, pull/push and carry up to 10 pounds with accommodations.

Work Conditions Exposure to constant or intermittent sounds at a low or moderate level consistent with an office setting. Exposure to high-stress, fast-paced, deadline-oriented environment.

Travel Demands Reliable transportation is required due to frequent travel to branches and other locations. Must possess ability to travel short and long distances to meet member and credit union expectations and build business relationships. This role involves frequent travel to worksites in Eastern Washington and Northern Idaho regions. Significant portion of time is spent in the field, interacting with members, and conducting visits.

Other Perform additional duties as assigned for the efficient operation of the department and the organization. This includes the possibility of being assigned temporarily to other locations.